AARP Burial Insurance: Complete Guide for 2026

Updated for 2026 • Final Expense Insurance Guide

If you’re searching for AARP burial insurance, you’re likely looking for a reliable way to ensure your funeral and final expenses don’t become a financial burden for loved ones. Burial insurance — also called final expense insurance — helps cover funeral costs, cremation, burial plots, and related expenses.

What Is AARP Burial Insurance?

AARP burial insurance is life insurance offered to AARP members through New York Life Insurance Company. It’s designed specifically to cover funeral and end-of-life expenses rather than income replacement.

• Typically available for ages 50–80
• Coverage usually $5,000–$25,000
• No medical exam required for most plans
• Premiums may be fixed or increase by plan type

Types of AARP Life Insurance for Burial Coverage

Guaranteed Acceptance Whole Life

• No health questions
• Fixed premiums
• Two-year waiting period

Permanent Whole Life Insurance

• Health questionnaire required
• Fixed premiums for life
• Builds cash value

Level Benefit Term Life

• Higher coverage possible
• Premium increases every 5 years
• Coverage ends at age 80

Benefits of AARP Burial Insurance

• Easy qualification
• No medical exam required
• Flexible payout usage
• Strong backing from New York Life

Drawbacks to Consider

• Membership required
• Possible waiting periods
• Premium increases on some plans
• Coverage limits for seniors

Cost Estimates

A $10,000 burial insurance policy typically costs about $60–$70 per month for seniors aged 60–70, though rates vary by age, gender, and health.

Is AARP Burial Insurance Right for You?

It may be ideal if you want simple approval, guaranteed coverage, and protection specifically for funeral expenses. However, comparing multiple insurers ensures better pricing and flexibility.